How Caravan Insurance has Changed

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I used to curse caravans. There I would be, a young company representative, bombing around the side roads of North Wales in my Vauxhall Victor 2000, full of the joys of spring and then I would turn a corner -- and there it was. A long long tailback of cars trailing slowly behind a solitary touring caravan that was plonked firmly in the middle of the narrow, twisting road holding a steady 18 mph. Since then of course I have realised that time is not everything, and that the poor caravan owner in front of me all those years ago was probably very seriously worried about whether or not he, or she, was fully insured.

In those days the answer was probably a very simple -- no. It has only been over the last 10 years or so that caravan insurance has really matured into a worthwhile and value for money product and in many ways the Internet has been a major factor in bringing this about. Once upon a time caravan insurance was an expensive add-on to a conventional car insurance policy but there were usually very many exclusions added to the small print which made it a very uncomfortable experience for anyone involved in an accident whether towing a caravan or being in a collision with somebody else who was towing one. Nowadays there are many companies that specialise in arranging insurance specifically for caravan owners, covering not only the risks involved on the road but also the damage or losses that can occur whilst the caravan is parked on a site or even in a layby, and the majority of them advertised regularly on the Internet so shopping around for the best deal is no longer a problem.

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